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Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2013

Allowance for Loan Losses [Abstract]

Allowance for Loans Losses


		Three Months Ended
		March 31
		2013				2012
Balance at beginning of the period		$	18,270			$	18,882
Loans charged-off:
Commercial
Owner occupied real estate			132				—
Non owner occupied real estate			146				—
Residential development			—				—
Development & Spec Land Loans			—				—
Commercial and industrial			139				—

Total commercial			417				—
Real estate
Residential mortgage			143				89
Residential construction			—				—
Mortgage warehouse			—				—

Total real estate			143				89
Consumer
Direct Installment			107				113
Direct Installment Purchased			—				—
Indirect Installment			353				338
Home Equity			438				133

Total consumer			898				584

Total loans charged-off			1,458				673

Recoveries of loans previously charged-off:
Commercial
Owner occupied real estate			32				300
Non owner occupied real estate			2				7
Residential development			—				—
Development & Spec Land Loans			—				—
Commercial and industrial			36				25

Total commercial			70				332
Real estate
Residential mortgage			3				30
Residential construction			—				—
Mortgage warehouse			—				—

Total real estate			3				30
Consumer
Direct Installment			394				15
Direct Installment Purchased			—				—
Indirect Installment			170				201
Home Equity			32				66

Total consumer			596				282

Total loan recoveries			669				644

Net loans charged-off			789				29

Provision charged to operating expense
Commercial			1,738				86
Real estate			312				611
Consumer			34				(138	)

Total provision charged to operating expense			2,084				559

Balance at the end of the period		$	19,565			$	19,412

Allowance for loan losses and the recorded investment in loans by portfolio segment


										Mortgage
March 31, 2013		Commercial				Real Estate				Warehousing				Consumer				Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	1,945			$	—			$	—			$	—			$	1,945
Collectively evaluated for impairment			7,221				3,477				1,603				5,319				17,620

Total ending allowance balance		$	9,166			$	3,477			$	1,603			$	5,319			$	19,565

Loans:
Individually evaluated for impairment		$	10,054			$	—			$	—			$	—			$	10,054
Collectively evaluated for impairment			464,369				191,954				144,089				282,764				1,083,176

Total ending loans balance		$	474,423			$	191,954			$	144,089			$	282,764			$	1,093,230


										Mortgage
December 31, 2012		Commercial				Real Estate				Warehousing				Consumer				Total
Allowance For Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	1,945			$	—			$	—			$	—			$	1,945
Collectively evaluated for impairment			5,826				3,204				1,705				5,590				16,325

Total ending allowance balance		$	7,771			$	3,204			$	1,705			$	5,590			$	18,270

Loans:
Individually evaluated for impairment		$	10,597			$	—			$	—			$	—			$	10,597
Collectively evaluated for impairment			451,243				190,292				251,928				290,174				1,183,637

Total ending loans balance		$	461,840			$	190,292			$	251,928			$	290,174			$	1,194,234